European Legislation of Insurance coverage

- Council Directive 73/240/EEC of 24 July 1973 abolishing restrictions on freedom of establishment in the business of direct insurance other than life assurance

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- Council Directive 76/580/EEC of 29 June 1976 amending Directive 73/239/EEC on the coordination of laws, regulations and administrative provisions relating to the taking up and pursuit of the business of direct insurance other than life assurance

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-Council Directive 78/473/EEC of 30 May 1978 on the coordination of laws, regulations and administrative provisions relating to Community co-insurance

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- Directive 2002/83/EC of the European Parliament and of the Council of 5 November 2002 concerning life assurance

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- Directive 2002/92/EC of the European Parliament and of the Council of 9 December 2002 on insurance mediation

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-Council Directive 84/641/EEC of 10 December 1984 amending, particularly as regards tourist assistance, the First Directive (73/239/EEC) on the coordination of laws, regulations and administrative provisions relating to the taking-up and pursuit of the business of direct insurance other than life assurance

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- Council Directive 87/344/EEC of 22 June 1987 on the coordination of laws, regulations and administrative provisions relating to legal expenses insurance

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- Second Council Directive 88/357/EEC of 22 June 1988 on the coordination of laws, regulations and administrative provisions relating to direct insurance other than life assurance and laying down provisions to facilitate the effective exercise of freedom to provide services and amending Directive 73/239/EEC

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- Third Council Directive 90/232/EEC of 14 May 1990 on the approximation of the laws of the Member States relating to insurance against civil liability in respect of the use of motor vehicles

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- Council Directive 90/618/EEC of 8 November 1990 amending, particularly as regards motor vehicle liability insurance, Directive 73/239/EEC and Directive 88/357/EEC which concern the coordination of laws, regulations and administrative provisions relating to direct insurance other than life assurance

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- Council Directive 91/675/EEC of 19 December 1991 setting up an insurance committee

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- Council Directive 92/49/EEC of 18 June 1992 on the coordination of laws, regulations and administrative provisions relating to direct insurance other than life assurance and amending Directives 73/239/EEC and 88/357/EEC (third non-life insurance Directive)

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- Directive 2000/26/EC of the European Parliament and of the Council of 16 May 2000 on the approximation of the laws of the Member States relating to insurance against civil liability in respect of the use of motor vehicles

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Spanish Legislation of Insurance coverage

- Law 50/1980, of 8 October, of insurance policy underwriting.

- Law 9/1992 of 30 April about intermediation of private insurance

- Law 30/1995, of 8 November, of planning and supervision of Private Insurance

- Law 34/2003 of 4 November. Modification Law of Private Insurance.

- Royal Decree 2486/ 1998 of 20 November that approves the regulation of planning and supervision of Private Insurance

- Ministerial Order 24-07-01 that approves the models of information that the insurance companies have to supply.

- Order ECO 568/ 2002 of 16 March about rules and criteria for writings telematic proceedings.

- Resolution of 3 January of 2002, of the Insurance and Pension Funds General Office (DGS), that publishes the maximum interest rate to be utilised in the calculation of the life insurance reserves, to be applied in the 2002 fiscal year.